BENEFITS OF PRE-QUALIFICATION

083 890 0333

info@imortgage.co.za

Our team of experts will facilitate the entire bond application on your behalf with up to 9 major banks and structure the best deal for you at no cost at all!

Benefits of Pre-qualification

If you make an offer on a home and then apply for the loan, you are at the lender’s mercy, who is aware you do not have time to shop around.

Pre-qualified clients save time looking at houses they can afford

Pre-qualified clients have the edge when multiple offers are being made on a property

Pre-qualified clients will receive a quicker turnaround time on their approval as most of the work has already been done.

Factors influencing your Mortgage Finance Offer

Credit History

Your credit history, type of Mortgage you chose, loan amount and market conditions all affect your interest rate.

Loan Amount

The loan amount and purchase price you qualify for is determined by your income and monthly debt.

Income

Your net disposable surplus income must be sufficient to cover the bond installment.

Bond Payment

Your monthly bond repayment cannot exceed more than 30% of your gross joint monthly household income.

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